I disagree, for short term yes it might not worth it but for long term you'll get more return than what you get keeping your money in the epf (if you are willing to take the risk la)

Let's assume you have 100k

epf give you average 6% return and unit trust give you average 8% return

if you have the 100k in epf for 10 years with 6% return, your future value would be 179,084.77

but if you have 100k minus 3% sales charge = 97k in unit trust for 10 years with 8% return, your future value would be 209,415.72

there is total 30,330.95 different,

in the end it's all about your time horizon and risk appetite

10 years (30,330.95 different)





20 years (131,399.29 different)

Yes it is normal, this 3 fund are investing in Malaysia (2 are local funds)
I believe one of the reason you are losing are because of the recent election & change of government, cause a lot of uncertainty made a lot foreign investor pull out from the market but worry not I believe our economic will be better with the new government

how long have you invest?